[AI] Difficulties in Banking

Subramani L lsubramani at deccanherald.co.in
Wed May 26 06:34:00 EDT 2010


Dear Kamal: 

Let us not argue for the sake of it. I am sure you know that there is a
website that has a list of defaulters who have defaulted over one crore
and above. The shame is, banks have lent to these people more on the
basis of their social standing than their actual credit worthiness. Just
because a few of them have defaulted, do you stop lending to people?
When you refer to some blind person who knowingly defaulted the bank,
banks cannot conclude all v I's asking for our rights are either
ignoramus fools or conniving thieves who do not deserve the right to
access a service available to all. For that matter, what about the
credit card fraudsters who change names and addresses and cheat on
Banks? Do you stop giving credit cards on this basis? On the contrary I
get numerous calls from tele oprtors to take one credit card or the
other. 


Subramani 



-----Original Message-----
From: accessindia-bounces at accessindia.org.in
[mailto:accessindia-bounces at accessindia.org.in] On Behalf Of Kamal Verma
Sent: Wednesday, May 26, 2010 10:46 AM
To: accessindia at accessindia.org.in
Subject: Re: [AI] Difficulties in Banking

The same was to be happend in case of Rajkumar Sahu in Bank of India 
regarding his overdraft account. After my interference it could resolved

with great difficulty.

Kamal Verma
----- Original Message ----- 
From: "BHAWANI SHANKAR VERMA" <bsvermadurg at gmail.com>
To: <accessindia at accessindia.org.in>
Sent: Tuesday, May 25, 2010 6:09 PM
Subject: Re: [AI] Difficulties in Banking


> yes! this is a matter, if that anybody did a fraud with that blind
person, 
> cheated him, then. my four or five colleagues will loose their job, if

> that blind person stand before the court. who issued ATM card? the 
> employee who entered his card details on issue register, the employee 
> entered his details on CBS system. who will come to convince the court

> that entire risk goes to that blind person?
>
> ----- Original Message ----- 
> From: "AMEEN" <ameen.ettattu at gmail.com>
> To: <accessindia at accessindia.org.in>
> Sent: Tuesday, May 25, 2010 11:00 AM
> Subject: Re: [AI] Difficulties in Banking
>
>
>> screen reading software has nothing to do with issuing ATM cards to
VI 
>> persons.
>> for, he can operate
>> it with the help of anybody whom he chooses.
>> that is non of the business of the bank.
>> if there is any risk involved in it, the person will bear it.
>> then why should raise all lame excuses and arguments?
>> are you willing to comply with the rules and regulations stipulated
by 
>> RBI?
>> Ameen.----- Original Message ----- 
>> From: "BHAWANI SHANKAR VERMA" <bsvermadurg at gmail.com>
>> To: "B. R. Nautial" <brnautial at gmail.com>; "access india" 
>> <accessindia at accessindia.org.in>
>> Sent: Tuesday, May 25, 2010 8:18 AM
>> Subject: Re: [AI] Difficulties in Banking
>>
>>
>>> you are absolutely right sir, i found that only blind customer's
part is
>>> discussed here. we should also consider banker's part. secondly,
again i 
>>> am
>>> to say that bank has full right to ask his customer, why he should 
>>> require a
>>> check book. only for prestige or he has any use of it. if he or she 
>>> avail
>>> check book facility, he has to maintain minimum balance in his
>>> account to continue this facility. some times we also make our
blindness
>>> complicated. if any one show the law and rules, then being a banker,
i 
>>> am
>>> giving my ATM card and pin number to that blind customer, I will
also 
>>> take
>>> him to the ATM machine, but, i will not assist him to read out the
menus 
>>> and
>>> commands on ATM. will he independently withdraw his money? if so,
could
>>> anybody voluntarily come to have a practical session? condition is a

>>> person
>>> should be bona fied blind. RBI says that 33% of
>>> ATMs should be accessible to blind persons, and it is stated on the
same
>>> circular, which all our friends have mentioned here. now as a branch
>>> manager, it does not come in my power to install such ATMs. only my
head
>>> office can do that. now in writing, i can reply that customer: "I
accept
>>> your application for ATM card. since, as per the RBI circular our
branch
>>> does not have ATM accessible to blind person, and also in our city
there 
>>> is
>>> no ATM installed, which is accessible to the blind person, hence,
your
>>> application is pending for consideration. as soon as. an accessible
ATM 
>>> will
>>> be installed, you will be facilitated ATM card. our hon'ble blind 
>>> customer
>>> unable to operate ATM which exist in our branch,  independently, 
>>> further,
>>> this matter has
>>> been referred to our authorities."
>>> thanking you,
>>>
>>> ----- Original Message ----- 
>>> From: "B. R. Nautial" <brnautial at gmail.com>
>>> To: <accessindia at accessindia.org.in>
>>> Sent: Monday, May 24, 2010 7:40 PM
>>> Subject: Re: [AI] Difficulties in Banking
>>>
>>>
>>>> no sir, its not a question of ego here. in my opinion, both the
parties
>>>> are almost right on their places. generally, all these facilities
are
>>>> quite risky for the blind, that's why, most of the bank manager of 
>>>> various
>>>> banks are not even against the blind customers but don't want to
give 
>>>> all
>>>> these facilities to the them only because they know,
>>>> in case of any fraud with the blind customer, they may be
questioned
>>>> before the court and may be punished for their negligence.
>>>> In various banks, where the branch manager is flexible and
satisfied 
>>>> with
>>>> your arguments or fully aware with the rules and regulations, they
are
>>>> more sympathetic  with the blind. They don't create such problems
to 
>>>> any
>>>> of the blind person. More or less,  they are not our enemy so
>>>> the issue should be raised before the higher authorities  with the 
>>>> help
>>>> of various NGO's.
>>>>
>>>> With Regards
>>>> B. R. Nautial
>>>> Mobile: +919915073368
>>>> ----- Original Message ----- 
>>>> From: "Kamal Verma" <kamalverma at pnb.co.in>
>>>> To: <accessindia at accessindia.org.in>
>>>> Sent: Monday, May 24, 2010 5:26 PM
>>>> Subject: Re: [AI] Difficulties in Banking
>>>>
>>>>
>>>>> Dear Sir,
>>>>>
>>>>> The customer is trying to satisfy his ego. Otherwise, he should
have
>>>>> produced NOC or any such endorsement from his parrents.  The
problems
>>>>> might have been solved. Details of this blind  customer have not
been
>>>>> discussed in the list. There are number of blind customers
availing 
>>>>> ATM,
>>>>> cheque book and other facilities from PNB.
>>>>>
>>>>> Regards.
>>>>> Kamal Verma
>>>>> ----- Original Message ----- 
>>>>> From: "Asudani, Rajesh" <rajeshasudani at rbi.org.in>
>>>>> To: <accessindia at accessindia.org.in>
>>>>> Sent: Monday, May 24, 2010 4:56 PM
>>>>> Subject: Re: [AI] Difficulties in Banking
>>>>>
>>>>>
>>>>>>        Who is bloody branch manager to sit in judgment over rules

>>>>>> framed
>>>>>> by regulator?
>>>>>> If he/she has to question them, let him represent to central bank
or
>>>>>> government, for the time, rules are there, he has to comply with 
>>>>>> them.
>>>>>> If we give in to approach of petty functionaries thwarting rules,

>>>>>> there
>>>>>> will be no rule of law in this country.
>>>>>> Moreover, why does anybody require banking facilities? So, there
is 
>>>>>> no
>>>>>> rational behind this question.
>>>>>> And, about ATM, bank is not responsible anyway for misuse or
loss.
>>>>>> Check book is another matter, and I have time and again pointed
out 
>>>>>> the
>>>>>> lacunae in the policy pertaining to it.
>>>>>> So, we can not hold bankers denying it to fault.
>>>>>>
>>>>>> Regards
>>>>>>
>>>>>> "Perhaps our role on this planet is not to worship God-- but to 
>>>>>> create
>>>>>> Him."
>>>>>>
>>>>>>                                        --Arthur C. Clarke
>>>>>>
>>>>>> (Rajesh Asudani)
>>>>>>
>>>>>> Assistant General Manager,
>>>>>> Reserve Bank of India
>>>>>> Nagpur
>>>>>> 09420397185
>>>>>> O: 0712 2806676
>>>>>> Res: 0712 2591349
>>>>>>
>>>>>>
>>>>>>
>>>>>> -----Original Message-----
>>>>>> From: accessindia-bounces at accessindia.org.in
>>>>>> [mailto:accessindia-bounces at accessindia.org.in] On Behalf Of
Kamal 
>>>>>> Verma
>>>>>> Sent: Monday, May 24, 2010 4:51 PM
>>>>>> To: accessindia at accessindia.org.in
>>>>>> Subject: Re: [AI] Difficulties in Banking
>>>>>>
>>>>>> Hello,
>>>>>>
>>>>>> Noone has to deform such a pioneer corporate like PNB. RBI framed

>>>>>> rules
>>>>>> and
>>>>>> circulars, but being a Branch Manager, it seems impractical to
issue 
>>>>>> ATM
>>>>>> card to the blind customers. Let me argue the matter with the
blind
>>>>>> customer
>>>>>> who is in need of ATM card and cheque book. Why does he need ATM
card
>>>>>> and
>>>>>> cheque book and how shall I issue? Let him convince me.
>>>>>>
>>>>>> Thanks.
>>>>>> Kamal Verma
>>>>>> ----- Original Message -----
>>>>>> From: "Mahesh Panicker" <maheshspanicker at gmail.com>
>>>>>> To: <accessindia at accessindia.org.in>
>>>>>> Sent: Monday, May 24, 2010 12:41 PM
>>>>>> Subject: Re: [AI] Difficulties in Banking
>>>>>>
>>>>>>
>>>>>>> dear Mr. Verma. .
>>>>>>> surprised to know someone has something nice to say about PNB. I
>>>>>>> haven't find many other organizations as obnoxious as PNB is. I
had 
>>>>>>> a
>>>>>>> real struggle to get my ATM card from PNB. in fact, I'd
contacted 
>>>>>>> the
>>>>>>> higher authorities as well. but at the end of the day, I had to
>>>>>>> complaint to the RBI, and also to the NHRC and the government of

>>>>>>> India
>>>>>>> ministry of finance to get my card. after all that, I got my
card
>>>>>>> after a good 7 months. recently too, I had a terrible time with
the
>>>>>>> PNB, when I applied for a check book. as I already mentioned,
this
>>>>>>> happened after I submitted the RBI circular on the rights of the
>>>>>>> disabled on banking facility.
>>>>>>> and then we all have the story of a visually challenged being
asked 
>>>>>>> to
>>>>>>> provide a NOC from the parents to avail an ATM card. have you
heard 
>>>>>>> of
>>>>>>> anything more obnoxious?
>>>>>>> banks in general, and PNB in particular have a horrible record
when 
>>>>>>> it
>>>>>>> comes to acknowledging the rightful claims of the disabled. so
we 
>>>>>>> have
>>>>>>> to take the struggle against such horrible institutional
nonsense to
>>>>>>> all possible levels including the media.
>>>>>>>
>>>>>>> On 5/24/10, Kamal Verma <kamalverma at pnb.co.in> wrote:
>>>>>>>> Hello all,
>>>>>>>>
>>>>>>>> I am surprised to note various complaints against PNB in this
list. 
>>>>>>>> I
>>>>>>>> am
>>>>>>>> availing all the banking facilities, such as cheque book, debit

>>>>>>>> card,
>>>>>>>> credit
>>>>>>>> card, internet banking, etc. PNB does not ignore the blind 
>>>>>>>> community,
>>>>>>>> hence
>>>>>>>> if any problem occurs, it may be communicated to the higher
>>>>>>>> authorities
>>>>>>>> of
>>>>>>>> PNB with the name and designation of the concerned officer.
>>>>>>>>
>>>>>>>> Thanks.
>>>>>>>> Kamal Verma
>>>>>>>>
>>>>>>>> ----- Original Message ----- From: "Mahesh Panicker"
>>>>>>>> <maheshspanicker at gmail.com>
>>>>>>>> To: <accessindia at accessindia.org.in>
>>>>>>>> Sent: Sunday, May 23, 2010 8:39 PM
>>>>>>>> Subject: Re: [AI] Difficulties in Banking
>>>>>>>>
>>>>>>>>
>>>>>>>>
>>>>>>>> > banking is one area where there is a lot of discrimination 
>>>>>>>> > against
>>>>>>>> > the
>>>>>>>> > visually challenged. opening an account itself isn't any
easier, 
>>>>>>>> > but
>>>>>>>> > ones you open an account, getting the common banking
facilities 
>>>>>>>> > like
>>>>>>>> > ATM cards and check book is an absolute nightmare.I've an
account
>>>>>>>> > with
>>>>>>>> > the Punjab National Bank, and I had my struggle of my life to
get 
>>>>>>>> > my
>>>>>>>> > ATM card issued. it took me a good 7 month for the same to be

>>>>>>>> > done.
>>>>>>>> > the struggle for the check book was also on similar lines,
and
>>>>>>>> > although I've got the checkbook, it has come with a lot of
>>>>>>>> > conditions.
>>>>>>>> > most people on access india can tell you similar stories. I 
>>>>>>>> > believe
>>>>>>>> > some of our own members have taken a lot of initiative in
this
>>>>>>>> > regard,
>>>>>>>> > and the 2008 RBI order is an achievement because of such
>>>>>>>> > initiatives.
>>>>>>>> >
>>>>>>>> > On 5/23/10, BHAWANI SHANKAR VERMA <bsvermadurg at gmail.com>
wrote:
>>>>>>>> >
>>>>>>>> > > blind persons should organize and conduct an agitation
before 
>>>>>>>> > > the
>>>>>>>> banking
>>>>>>>> > > division and finance ministry. this is the only solution.
>>>>>>>> > > ----- Original Message ----- From: "rahul cherian"
>>>>>>>> > > <rahul.cherian at inclusiveplanet.com>
>>>>>>>> > > To: <accessindia at accessindia.org.in>
>>>>>>>> > > Sent: Sunday, May 23, 2010 12:47 PM
>>>>>>>> > > Subject: [AI] Difficulties in Banking
>>>>>>>> > >
>>>>>>>> > >
>>>>>>>> > >
>>>>>>>> > > > Folks,
>>>>>>>> > > >
>>>>>>>> > > > I have been asked to prepare a comprehensive note on the 
>>>>>>>> > > > issues
>>>>>>>> > > > that
>>>>>>>> > > persons
>>>>>>>> > > > with visual impairment face with banking in India,
especially 
>>>>>>>> > > > in
>>>>>>>> > > >  >
>>>>>>>> leading
>>>>>>>> > > > banks such as ICICI, HDFC and SBI, along with possible
>>>>>>>> > > > solutions.
>>>>>>>> > > > This
>>>>>>>> > > note
>>>>>>>> > > > has been asked for by some senior people I know
personally in
>>>>>>>> > > > these
>>>>>>>> > > >  >
>>>>>>>> banks.
>>>>>>>> > > > If anyone would like to help me prepare this note do let
me 
>>>>>>>> > > > know
>>>>>>>> > > > at
>>>>>>>> the
>>>>>>>> > > > earliest. If anyone has the details of any such note
which 
>>>>>>>> > > > has
>>>>>>>> > > > been
>>>>>>>> > > prepared
>>>>>>>> > > > earlier do forward that to me.
>>>>>>>> > > >
>>>>>>>> > > > Best regards,
>>>>>>>> > > >
>>>>>>>> > > > Rahul Cherian
>>>>>>>> > > > Inclusive Planet
>>>>>>>> > > >
>>>>>>>> > > > On 23 May 2010 12:39, Srinivasu Chakravarthula
>>>>>>>> > > <srinivasu at srinivasu.org>wrote:
>>>>>>>> > > >
>>>>>>>> > > >
>>>>>>>> > > > > Hi Dinesh,
>>>>>>>> > > > > Can you provide us with little more details about your 
>>>>>>>> > > > > problem
>>>>>>>> > > > > with
>>>>>>>> > > > > Yahoo! Messenger so as to help you better?
>>>>>>>> > > > >
>>>>>>>> > > > > Regards,
>>>>>>>> > > > > Srinivasu
>>>>>>>> > > > >
>>>>>>>> > > > > On 5/23/10, dinesh shukla <dineshshukla2815 at gmail.com> 
>>>>>>>> > > > > wrote:
>>>>>>>> > > > > >     dear friends I am not able to chatte with the
help of
>>>>>>>> > > > > > Yahoo
>>>>>>>> > > > > massenger.
>>>>>>>> > > > > > please help me to do  the same telling me the steps. 
>>>>>>>> > > > > > Dinesh
>>>>>>>> > > Shukla.
>>>>>>>> > > > > >
>>>>>>>> > > > > >
>>>>>>>> > > > > > To unsubscribe send a message to >
>>>>>>>> > > accessindia-request at accessindia.org.inwith
>>>>>>>> > > > > > the subject unsubscribe.
>>>>>>>> > > > > >
>>>>>>>> > > > > > To change your subscription to digest mode or make
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>>>>>>>> > > > > > other
>>>>>>>> > > > > >  >
>>>>>>>> > > > > >  > >
>>>>>>>> changes,
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>>>>>>>> > > > > > visit the list home page at
>>>>>>>> > > > > >
>>>>>>>> > > > >
>>>>>>>> > >
>>>>>>>>
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>>>>>>>> > > > > >
>>>>>>>> > > > >
>>>>>>>> > > > > --
>>>>>>>> > > > > Sent from my mobile device
>>>>>>>> > > > >
>>>>>>>> > > > > Best regards,
>>>>>>>> > > > >
>>>>>>>> > > > > Srinivasu Chakravarthula
>>>>>>>> > > > > Mobile: +91 990 081 0881
>>>>>>>> > > > > Website: http://www.srinivasu.org
>>>>>>>> > > > > Follow me on Twitter: http://twitter.com/sriniworld/
>>>>>>>> > > > >
>>>>>>>> > > > >
>>>>>>>> > > > >
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>>>>>>>> > > > >
>>>>>>>> > > > >
>>>>>>>> > > >
>>>>>>>> > > >
>>>>>>>> > > > To unsubscribe send a message to
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>>>>>>>> > >
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>>>>>>>> > >
>>>>>>>> > >
>>>>>>>> >
>>>>>>>> >
>>>>>>>> > --
>>>>>>>> > Mahesh S. Panicker
>>>>>>>> > C123;
>>>>>>>> > Dayanand Colony;
>>>>>>>> > Lajpat Nagar4;
>>>>>>>> >
>>>>>>>> > New delhi india.
>>>>>>>> >
>>>>>>>> >
>>>>>>>> >
>>>>>>>> > To unsubscribe send a message to
>>>>>>>> accessindia-request at accessindia.org.in with the subject
>>>>>>>> unsubscribe.
>>>>>>>> >
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>>>>>>>>
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>>>>>>>> >
>>>>>>>> >
>>>>>>>>
>>>>>>>>
>>>>>>>>
>>>>>>>> DISCLAIMER:
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>>>>>>>>
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>>>>>>>
>>>>>>>
>>>>>>> --
>>>>>>> Mahesh S. Panicker
>>>>>>> C123;
>>>>>>> Dayanand Colony;
>>>>>>> Lajpat Nagar4;
>>>>>>>
>>>>>>> New delhi india.
>>>>>>>
>>>>>>>
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